Risk is minimized due to the amount of rents, property condition, property price, and location.

So if you are buying a property the traditional way, using an agent, you won't usually get answers when it comes to the condition.

They're spending tax-payer money, so they'll cut a check without batting an eye.Document condition before and after with photos, inspect regularly, and you should be fine.

You'll likely pay high premiums, face lots of claim denials due to "pre-existing conditions", and deal with service delays.

If the tree was a straight tall tree that did NOT overhang the property and it fell across the property line damaging your garage then that could be the neighbors liability if they knew or should have known it was in poor condition.

Make sure you have smoke and CO detectors in appropriate places, GFCI outlets near water, functioning mechanicals, make sure everything is in good condition and you shouldn't have a problem.

COLLUDE With Judges like KAREN PHIPPS to case FIX court case outcomes so the public doesn't know their fraud scams that include insurance faked claims with frivolous incident dates of known pre existing conditions putting tenants lives at risk SEE CASE COLUMBUS OHIO FRANKLIN COUNTY COURT OF COMMON PLEAS 22CV003620 AND OHIO SUPREME COURT WRITS : 2024 1311,1314,1315,1319,1320,1339,1360,1362,1378,1400,1420,1448,1471,1474,1502,1588,1601See FRANKLIN COUNTY MUNICIPAL COURT cases 2021 EVH 060439 AND 2021 CVG 020711 FAKE AND UNLAWFUL LANDLORD RETALIATION EVICTION BY ALL COUNTY NEO'S  ATTY WHO IS THEIR CLIENT🙄THEY ARE ALL CORRUPT and fraudingI would be careful about labeling an attorney as a fraud on a public forum.

Seeing lots of inconsistencies in unit conditions/rents over here.

You have to keep in mind that a plex will never be valued the same as an SFH, and renovations may not have the same effect on the value as an SFH.If renovations are not needed right now, I would work toward getting the rent to market for the as-is condition and then renovate each side when you have turnover. 

Not all do, and there's potential those carriers won't accept the risk for a myriad of other underwriting reasons, too- age, current condition, etc.